Springfield Street Railway Emp.
Springfield, MA · Charter 67965 · Peer group: credit unions under $1B in assets (n=1,622-1,625)
NCUA · 2 branches
Q4 2025
$1.1MAssets
$349KLoans
$791KShares
$223KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 100% of credit unions under $1B in assets (rank 8 of 1625).
- Widest gap: return on assets trails 100% of credit unions under $1B in assets (rank 1622 of 1625).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-9.93%
Rank 1,622 of 1,625
Net Interest Margin
7.30%
Rank 8 of 1,625
Efficiency Ratio
166.67%
Rank 1,613 of 1,622
Equity / Assets
20.88%
Rank 195 of 1,624
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -9.93% | 0.37% | 0.76% | 1.21% | Beats 0% | 1,622 / 1,625 | |
| Return on Equity | -47.53% | 2.80% | 6.06% | 8.96% | Beats 1% | 1,613 / 1,623 | |
| Net Interest Margin | 7.30% | 3.25% | 3.80% | 4.36% | Beats 100% | 8 / 1,625 | |
| Efficiency Ratio | 166.67% | 68.56% | 77.08% | 85.11% | Beats 1% | 1,613 / 1,622 | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.01% | 0.28% | 0.70% | 1.35% | Beats 5% | 1,550 / 1,623 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.92% | 10.44% | 12.79% | 16.54% | Beats 88% | 194 / 1,625 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.88% | 10.44% | 12.79% | 16.54% | Beats 88% | 195 / 1,624 | |
| Liquidity & Funding |
| Loans / Deposits | 44.15% | 54.72% | 71.33% | 84.54% | 13th pctl | 1,413 / 1,624 | |
| Loans / Assets | 32.68% | 46.04% | 60.45% | 71.73% | 9th pctl | 1,480 / 1,624 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |